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Federal Savings Bank, The

Chicago, IL · Cert 35518 · National Bcorp Holdings Inc.

State savings bank · OCC · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets in the Chicago-Naperville-Elgin, IL-IN area3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=31). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

97

Q2 2024Q2 2026peer median (50)

Asset Quality

11

Q2 2024Q2 2026peer median (50)

Profitability

17

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

3

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Federal Savings Bank, The

Chicago, IL · Cert 35518 · National Bcorp Holdings Inc.

State savings bank · OCC · 2 branches

Q2 2026

$1.1BAssets
$968.4MLoans
$741.1MDeposits
$165.1MEquity
Loan mix
98%RE $938.0M1%C&I $12.6M1%Consumer $10.1MQ2 2025Q2 2026
Deposit mix
91%Interest-bearing $671.3M9%Noninterest $69.8MQ2 2025Q2 2026

NIM

6.09%Q2 ’246.33%Q2 ’256.52%Q2 ’26+12%+10%

Non-interest income vs. expense

15.66%Q2 ’2416.94%Q2 ’2518.69%Q2 ’26-30%+56%

Market Position · Chicago-Naperville-Elgin, IL-IN · 2026 SOD (annual) · 0.1% share · #55 of 147 inst. · $0.7B of $630.7B

0.1% Cook
0.9% Lake

Executive Summary

  • Earnings: ROA of 0.05%, down 48 bps year over year; NIM at 3.34%.
  • Asset quality: problem loans at 2.69% of loans (+93 bps YoY), with net charge-offs at 0.20%.
  • Capital: tier 1 leverage ratio of 15.86%, up 190 bps from a year ago.
  • Funding: loans stand at 130.66% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.05%-48 bps YoY

Net Interest Margin (YTD, annualized)

3.34%+30 bps YoY

Efficiency Ratio (YTD, annualized)

99.72%+496 bps YoY

Tier 1 Leverage Ratio

15.86%+190 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.53%0.72%0.69%-0.17%0.05%-48 bps
Return on Equity4.04%5.41%5.07%-1.12%0.35%-369 bps
Net Interest Margin3.04%3.12%3.18%3.09%3.34%+30 bps
Efficiency Ratio94.76%94.28%94.22%102.10%99.72%+496 bps
Non-Interest Burden2.10%2.08%2.12%3.46%3.29%+118 bps
Growth
Asset Growth (YoY)3.60%-1.96%-3.50%-9.71%-11.80%-1,540 bps
Loan Growth (YoY)3.76%0.21%2.27%-6.92%-11.08%-1,485 bps
Deposit Growth (YoY)10.15%-1.67%6.78%-3.16%-5.78%-1,593 bps
Asset Quality
Nonperforming Loans / Loans1.76%2.24%3.35%3.47%2.69%+93 bps
Net Charge-Offs / Loans0.23%0.27%0.24%0.21%0.20%-3 bps
Allowance / Loans0.73%0.60%0.69%0.63%0.61%-12 bps
Allowance Coverage of NPLs0.4x0.3x0.2x0.2x0.2x-0.2x
Capital
Tier 1 Leverage Ratio13.95%14.17%14.44%15.01%15.86%+190 bps
Total Risk-Based Capital18.44%18.60%20.17%20.89%20.68%+224 bps
Equity / Assets13.08%13.89%14.52%15.36%15.28%+220 bps
Liquidity & Funding
Loans / Deposits138.46%136.22%122.10%126.42%130.66%-780 bps
Liquid Assets / Assets3.57%2.50%4.41%3.55%3.91%+34 bps
CRE / Total Capitaln/a157.56%137.81%132.28%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Federal Savings Bank, The

Chicago, IL · Cert 35518 · Peer group: banks $1B-$10B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=31) · National Bcorp Holdings Inc.

State savings bank · OCC · 2 branches

Q2 2026

$1.1BAssets
$968.4MLoans
$741.1MDeposits
$165.1MEquity

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 97% of banks $1B-$10B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 1 of 31).
  • Widest gap: return on equity trails 100% of banks $1B-$10B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 31 of 31).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

0.05%

Rank 31 of 31

Net Interest Margin

3.34%

Rank 15 of 31

Efficiency Ratio

99.72%

Rank 31 of 31

Equity / Assets

15.28%

Rank 1 of 31

Non-interest income vs. expense

$160.8M$195.2MINCOMEEXPENSE
Unfavorable gap of $34.3M · efficiency ratio beats 3% of banks $1B-$10B in assets in the Chicago-Naperville-Elgin, IL-IN area
Bank 99.72%Peer median 50.7%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.05%1.15%1.39%1.64%Beats 0%31 / 31
Return on Equity0.35%11.05%13.35%16.66%Beats 0%31 / 31
Net Interest Margin3.34%3.00%3.28%3.75%Beats 52%15 / 31
Efficiency Ratio99.72%37.25%50.71%61.60%Beats 3%31 / 31
Asset Quality
Nonperforming Loans / Loans2.69%0.18%0.41%1.00%Beats 6%30 / 31
Net Charge-Offs / Loans0.15%0.00%0.04%0.11%Beats 16%27 / 31
Capital
Tier 1 Capital Ratio19.97%10.88%11.50%13.72%Beats 97%1 / 31
Total Risk-Based Capital Ratio20.68%11.53%12.02%14.77%Beats 97%1 / 31
Equity / Assets15.28%8.90%10.15%11.24%Beats 97%1 / 31
Liquidity & Funding
Loans / Deposits130.66%80.56%87.67%94.53%97th pctl1 / 31
Loans / Assets89.61%67.81%73.77%76.85%97th pctl1 / 31
Brokered Deposits / Depositsn/aNot reported for this institution